Every Stage of the
Investment Cycle. One Lender.
From purchase and rehab to stabilization and long-term hold, Seth Capital Group has the capital structure for every phase of your investment strategy — no W-2s, no owner-occupied restrictions.
Fix & Flip Financing
Short-term capital for the purchase and renovation of non-owner occupied residential and multi-family properties. Structured to move as fast as your deal does.
Fix and flip success is a capital timing problem. The deal window is narrow, the renovation clock starts immediately, and a lender that moves slowly costs you the spread. Our fix and flip program is structured around your timeline — not ours.
We finance up to 85% of the purchase price plus 100% of renovation costs on 1-4 unit properties, capped at 70% of After-Repair Value. That means you're not bringing a massive cash position to the table — you're leveraging our capital to do more deals with less of your own money tied up in any one project.
Eligible collateral includes single-family residences, condos, townhomes, and multi-family apartment buildings — both residential and 5+ unit commercial. All projects must be non-owner occupied. First-time flippers are eligible for 1-4 unit projects with a 650 FICO.
Loan term is 12 months — built for a full rehab-and-exit cycle. Renovation draws are disbursed against completed work, keeping your cash flow tight and your project on track.
Rehab Project Tiers
Cosmetic Rehab
Renovation cost is 2.5%–50% of the initial property value. Paint, floors, fixtures, landscaping.
Structural Updates
Renovation cost is 50%–100% of initial value. Kitchen and bath overhauls, roof, HVAC, windows.
Full Reconstruction
Renovation exceeds 100% of initial value or involves major square footage expansion.
Fix & Flip — Key Parameters
1-4 Unit Residential
Fix & Flip — Key Parameters
Multi-Family (5+ Units)
Beyond the Flip
Whether you're building from the ground up, bridging to a better exit, or locking in long-term rental income — we have the right loan for each phase.
Permanent financing for stabilized rental properties. Fixed, ARM, and interest-only structures available. The permanent home for your buy-and-hold portfolio — including DSCR-qualified loans.
Ground-up construction financing for builders and experienced investors. Leverage scales with your track record — the more completed projects you have, the more capital you access.
Short-term capital for stabilized properties that aren't ready for permanent financing yet. Repositioning, lease-up, or transitional holds — this bridge keeps you moving without forcing a premature long-term commitment.
Your Track Record Unlocks More Capital
For New Construction and Stabilized Bridge programs, leverage is tiered by the number of investment properties you've completed or owned in the last 3 years.
| Program | Experience Level | Max Purchase LTV/LTC | As-Is Value Cap | After-Value Cap | Notes |
|---|---|---|---|---|---|
| Fix & Flip — 1-4 Unit | Any | 85% of Purchase | — | 70% ARV | 100% of rehab costs included |
| Fix & Flip — Multi-Family | Any | 80% of Purchase | — | 70% ARV | 100% of rehab costs included |
| New Construction | 5+ Projects | 80% Purchase · 90% LTC | 75% As-Is | 75% After-Completed | Projects in last 3 years |
| New Construction | 0 Projects | 70% Purchase · 85% LTC | 70% As-Is | 65% After-Completed | First ground-up eligible |
| Stabilized Bridge — 1-4 Unit | 1-4 Props Owned | 80% LTV/LTC | — | — | Owned in last 3 years |
| Stabilized Bridge — Multi-Family | Any | 75% Purchase | 70% Refi | 65% Cash-Out | As-Is value basis |
Built for Real Estate Investors at Every Stage
From first-time flippers to experienced developers — our programs are designed around what real estate investors actually need.
First-Time Flippers
First-time investors are eligible on 1-4 unit fix and flip deals with a 650 FICO. No prior flip history required.
Portfolio Investors
Stabilize with a bridge, refinance into permanent financing, and use long-term rental loans to lock in your hold position.
Multi-Family Investors
5+ unit apartment buildings are eligible across fix and flip, bridge, and long-term rental programs.
Ground-Up Builders
New construction financing up to 24 months with leverage based on your completed project history over the last 3 years.
LLC Borrowers
All programs accept LLC vesting. Business purpose only — no RESPA, no TILA, no owner-occupancy requirements.
From Signed Contract to Funded
We move fast. Tell us about your deal today — most files are approved within 48 hours of complete submission.
Share Your Deal
Purchase price, ARV estimate, rehab scope, and property details. No SSN required at this stage.
Term Sheet
We issue a term sheet outlining your loan amount, LTV, rate, and draw structure — usually within 24 hours.
Appraisal & Underwriting
An ARV appraisal is ordered. Underwriting reviews your file and issues approval conditions.
Close & Draw
Loan closes. Renovation draws are disbursed against completed work as your project progresses.
Exit or Refinance
Sell the property and pay off the loan — or roll directly into our Long-Term Rental program if you're holding.
Tell Us About Your Deal.
Share the basics — purchase price, ARV, and rehab scope — and we'll get you a term sheet fast. No tax returns, no W-2s, no delays.
Submit My Deal →Seth Capital Group LLC is not a licensed mortgage lender or broker. All loans are business purpose only and are originated through licensed wholesale lending partners. Loan parameters shown are subject to change and represent program guidelines — not guaranteed rates or terms. All programs are for non-owner occupied investment properties only. Experience-based leverage requirements are determined at underwriting. Programs are available in select states only. Not available in CA, ID, MN, NV, ND, OR, SD, UT, VT, or WA for business purpose 1-4 unit properties. This is not an offer to lend or a commitment to make a loan.